Forgan, OK
How exposed is Forgan to wildfire?
USFS scores Forgan at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 402 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Forgan at the 97th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Forgan's buildings actually sit
Direct exposure dominates in Forgan: 50.5% of its 402 buildings, versus 0% Indirect and 49.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Forgan against the rest of the country
Forgan scores 96th nationally and 88th within Oklahoma — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Forgan ranks 1,202 for wildfire risk (1 is highest) and 19,170 by building count (1 is largest). Within Oklahoma alone, it ranks 103 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
What this risk score means for insurance
Forgan's 96th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Forgan
Because Direct exposure dominates in Forgan (50.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Forgan's figures come from
The methodology guide shows exactly how USFS turned 402 counted buildings into the percentiles shown above for Forgan. The exposure-zones guide covers what Forgan's dominant direct exposure actually means, with real examples from across the dataset.